Why would you pay it off early? Can't you find a better return elsewhere? Even if you think the S&P 500 is currently overvalued, the dividend yield is 1.8%.

Why would you pay it off early? Can't you find a better return elsewhere? Even if you think the S&P 500 is currently overvalued, the dividend yield is 1.8%. It makes sense to buy if you plan to stay in an area long term. But, I would be wary buying if you expect to move geographically or outgrow a home within a 5-10 year horizon. If you stay local, your next home will likely rise and fall with your current home.